With the plethora of media attention across multiple platforms, it can be difficult to stick to your long-term investment plan, due to postponed investment decision making. This can adversely affect long term planning, so, when I’m reminded of all the worry, I often refer to the below chart to provide some perspective. The chart […]
We at Lifetime Financial Planning wish to reassure our Clients that we are included in the Government’s list of Essential Services. So we are continuing to work as normal through the lockdown. We have however switched to conducting many Client meetings online, and our Clients are finding this very convenient and safe also in these […]
There are plenty of national and international studies showing lower participation rates for women contributing to a pension and for those women who do participate, smaller pension pots. The reasons and impact of the resulting pensions pay gap for women are manifold. Here are 7 simple step’s which women, and their employers, can take to […]
#STICKTOTHEPLAN: How to deal with Market Volatility Volatile Markets rattle the nerves of investors, but we should remind ourselves why, as investors, we invest. Consider that when we purchase shares in a company, we are buying ownership of that company, so we become a shareholder and that entitles us to a share in the profits. […]
The Yield Titans…. As investors, we look to place our investment where we hope to receive an income (a yield) or a capital appreciation or both on the initial investment, over a period of time. In recent times however, the fixed income asset “tool box” would likely not have contained long dated sovereign bonds. The […]
Many people own shares in publicly listed companies such as Aviva, Glanbia, Ryanair, Kerry, Vodafone etc, but few are aware that a little care and attention in managing these can save you a considerable amount of money in tax. At Lifetime Financial Planning, we provide that attention. Invest 20 minutes of your time today and we will show you […]
Its happening again, Stock markets are at all-time highs and confidence is flying high. But at Lifetime Financial Planning we use our tried and tested Value Based Investment Strategy to identify good value for our Clients. And from the 600 largest companies in the US and UK, only 12 meet our value criteria currently, which […]
If you worked in the UK and have moved to Ireland, you may have left one or more UK Pensions behind. We strongly recommend that these assets be transferred back to Ireland, you thereby gain control of your asset. BREXIT means this should be done sooner rather than later. The funds can be retained in Sterling […]
We’re just writing to remind you to take full advantage of the generous tax relief available on your 2015 pension contribution before the pay and file deadline of 31st October, or 10th November if you file through Revenue Online Service (ROS). Depending on your age and income, you may be eligible for up to 40% […]
Lost track of your pension after moving jobs? If you work in a job which includes a Pension, then you have a valuable asset. If you move to another job though, you might have lost track of your pension, especially if you change your address. Indeed you might have moved job several times, and have several Pension pots. […]
It’s a worry, isn’t it. You don’t want to run out of money after you stop working, or have to live in austerity. You may have a mix of things you are relying on, a business, property, pension fund, cash savings, your home. You may also have debts, loans. So it’s complicated, and the State Pension is good, […]
A few Clients have asked about the effect of the Brexit decision by the UK on Investments and Pensions. The main effect of such news would be on the Equities (shares) part of portfolios. The two main markets we use are the Standard & Poors 500, (the 500 largest companies in the US), and the […]